CRE Credit Services don’t just do credit repair.  In addition to credit repair, they offer credit restoration services, credit building services, and credit education services. They have only been in business for 6 years, but in that time have created a 7-Stage Repair Process for clients.  James Charlet, a former member of Experian’s legal and compliance department developed this process.

Rank Chart
Monthly Price
Company Rating
Review

#1

$99.95
9.4

#2

$99.95
9.0

#3

$59
8.9

#12
CRE

$199/installment
7.5

The Good

Not only does CRE Credit Services operate in full compliance with the Federal CROA and Texas State CSO regulations, they are registered and bonded for clients’ protection. Some additional highlights about CRE Credit Services are as follows:

  • Money-Back Guarantee: CRE Credit Services stands by their promise to produce results with a 100% money-back guarantee.
  • Free Consultation: Potential clients have the option for a free consultation during the signup process. During this, each client gets an in-depth analysis of their credit reports, with no obligation to work with the firm.
  • Seven Step Process: As stated above, CRE Credit Services has a unique 7 Step System used to repair clients’ credit. It is designed to be used over 6 months but the firm has stated that some clients see results in as little as 30-45 days.
  • Educational Resources: The CRE Credit Services team provides a ton of information on credit repair, credit education, credit support, credit reports, etc. They have an informative blog, FAQs, and more providing insights on these topics.

The Bad

CRE Credit Services has many great benefits to their services, such as their unique 7 Stage Repair Process, developed by a former member of the Experian team. However, they do have a few drawbacks to note:

  • Time in Business: CRE Credit Services has only been in business 6 years, making them relatively new to the credit repair industry. Some companies have been in business well over 10 years, giving them more experience.
  • Hours of Operation: CRE Credit Services operate 8 am to 7 pm Central Time while some companies operate until 9 or 10 pm. This can be somewhat limiting to clients.

The Bottom Line

Overall, CRE Credit Services has a unique 7 Step Process for improving their clients’ credit. The firm states that on average clients will see 50+% of deletions removed in 30-45 days and 75+% within 6 months. In addition, they are staffed with licensed attorneys and have a money-back guarantee. And although their price is quite high, they are transparent about it.

Frequently Asked Questions

How much does CRE Credit Services cost?
To start with, the company offers a free initial consultation where a professional will review your situation and provide expert advice on what course of action you could follow and how CRE Credit Services can help. The company has a tiered pricing structure that is dependent on your situation. There is a 100 percent money-back guarantee if you are not satisfied.

Does CRE Credit Services allow me to enroll more than one person or my whole family?
The service is provided on a per-individual basis.

How does CRE Credit Services repair my credit?
With a seven-stage process, the company audits the responses from creditors, collection agencies and other relevant reporting agencies. The company also has direct contact with these agencies and requires a timely response in accordance with law. This persistent action prompts the creditors to remove inaccuracies.

How does CRE Credit Services provide credit monitoring?
When you use CRE Credit Services, the company will immediately go to work for you and investigate any errors on your report and until you can be sure your report is completely accurate.

How long will it take before I start to see results with CRE Credit Services?
The program lasts six months, but most clients see results within 30 to 45 days.

What results can I expect from CRE Credit Services?
CRE is committed to helping improve clients’ credit scores and removing negative marks on credit reports.

How can I contact CRE Credit Services?
Contact the company by phone at 1-888-799-7267.

Published Results

CRE has published on its website copies of actual credit reports and repairs it has made to these. Some of these reports show that significant delinquencies have been removed. These published documents show that in some cases as many as 12 false reports have been eliminating within the first stage of the repair process.

The company also claims to be able to raise credit scores in as few as 30 to 45 days, and in all cases should be able to make significant improvements during its six-month process.

Price Breakdown

CRE Credit Services provides excellent help to customer with credit concerns. Here is look at how the pricing works.

Free Consultation

It doesn’t cost a dime to chat with a certified credit specialist about your case. This consultation will discuss your options and present plans that would potentially help you repair your credit.

Tiered Pricing

Because everyone has a different situation and every client’s needs are unique, CRE doesn’t have set pricing but instead caters it according to what best suits the person. In order to get a definitive number of cost per month, customers should call CRE and get a quote based on how extensive their needs are.

Money-Back Guarantee

CRE prides itself in providing exemplary customer service. The company wants you to be satisfied with the service it gives you. If at any time you are dissatisfied with the work CRE is doing, you may cancel your enrollment and get back the money you have paid.

How It Works

CRE will take a hands-on, immediate approach to resolving your credit problems. Here are some steps they will take in your case.

  1. Evaluation and advice. CRE will begin by sitting down with you and reviewing your credit report. A specialist will identify problem areas and what is causing your credit score to be low. The specialist will then provide you with education and information on things you can do to improve your score on your own.
  2. Based on your specific needs, CRE will come up with a sound strategy on how to tackle your credit challenges.
  3. Audit creditors and agencies. CRE will next contact the reporting agencies and collectors directly and point out erroneous charges and delinquencies and demand removal. In accordance with law, inaccurate information must be removed when identified. CRE will dispute these aggressively.
  4. Permanently removed. One of the great things CRE will do is make sure agencies remove inaccurate marks completely and permanently. The company guarantees that all such information will be forever removed from your record. This gives you peace of mind.

What to Expect when Signing Up

  1. Reputable company. You can be confident that by enrolling with CRE that you are partnering with a company you can trust. CRE is compliant with all applicable regulations in the industry and has accreditations from the National Association of Credit Services Organizations.
  2. Swift action. CRE won’t delay in getting to your case. The company will immediately begin addressing your issues.
  3. Persistent and serious. CRE is dedicating to resolving your credit challenges and in getting appropriate agencies to take action to removing false information. Therefore, CRE is emphatic in its requirements to agencies.
  4. CRE promise to resolve issues in a timely manner to keep inaccuracies off your report forever.

What Can Be Removed?

There are a number of items on your report that CRE will address and eliminate. Each of these will improve your score. Be aware that credit repair companies such as CRE cannot lawfully remove legitimate information from credit reports, just erroneous items.

  1. Late payments. These include items that were in fact paid on time or resolved but not recorded.
  2. Tax liens
  3. Bankruptcies
  4. Charge-offs
  5. Students loans
  6. Foreclosures
  7. This includes automobiles and other items bought on credit.
  8. Collections

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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50 CRE Credit Services Reviews

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  1. User Score

    0

    April 5th, 2016 Willis, TX

    this is worst credit people I have ever delt with they do nothing but take your money never answer phone calls

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    5

  2. User Score

    10

    November 13th, 2015 Plano, TX

    I am so thankful for this company. I was hesitant, but did my research and prayed about it. I made the right decision as I got my credit score increased 189 points on my midscore in 5 months. Thank you thank you thank you! I highly recommend them!

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  3. User Score

    0

    September 10th, 2015 New York, NY

    DO NOT USE THIS COMPANY!!!!

    I’m 5 months in and $1600.00 poorer. My credit score actually got worse after dealing with this company. I’m so frustrated I could cry. Big mistake on my part. I believed what they told me. Oh and don’t believe you’ll get your money back. You won’t.
    So do yourself a favor and Don’t use them.

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    4

  4. User Score

    10

    June 30th, 2015 New York, NY

    I had a great experience with CRE. Before I signed up I had all this stuff on my credit reports that didnt even belong to me. I couldnt even get qualified from one of those cheap used car dealerships that approve anyone. After 6 months with CRE i was able to finally get a car from a manufacturer approved dealer and for a great rate. I loved my results with CRE and the customer service was great especially for someone like me who probably called too much with a lot of questions. 😛 I have already started telling my friends about CRE

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  5. User Score

    0

    June 26th, 2015 Pompano Beach, FL

    Please do yourself a favor and stay away from this company and many others that promise to help you fix your credit by deleting negative accounts such as car repos, etc… CRE is a complete fraud. They will promise and GUARANTEE that they will delete all negative accounts. They might delete some easy accounts such as credit inquiries and some late payments and that’s about it. If you have a car repo, tax lien, foreclosure or medical bills…. don’t even dream that they will delete those accounts. Again please don’t believe them. The only thing that is guarantee is that you will lose a lot of money if you decide to go ahead and do business with them.

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    3

  6. User Score

    1

    June 26th, 2015 Pompano Beach, FL

    This company CRE Credit Service is a ripoff they promise they going to eliminate collection account and they only delete stupid account and credit inquiries from your credit but the most important one with the high potential they will never delete those account , car repo, medical bill, tax lien, etc .. when i call to obtain information on how they work.. the rep make me a lot of promise that he really convince me it cost me over 1600 for nothing , at the end the more important account never got delete , all they do is send dispute account never was delete my car repot , my medical bill, 2 account that i have in collection from TMOBILE over 1700 , and federal and state tax lien .. they Finish all the process and told me there is nothing else they will be able to do.. they lie to me after they got the money pay , now they coming that there is nothing else they wll be able to do…. there is about 5 account the more important one they never delete those account..

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    3

  7. User Score

    10

    June 9th, 2015 Plano, TX

    I did extensive research on this company and many others before making a decision and I can tell you they are by far the best. One of the owners speaks all around the country at the top mortgage conventions as a keynote speaker. I just went to one of them in Oregon before making a decision and this guy knows a lot. He is from Experian and these guys are the best. A lot of the mortgage people there said they use them there as well and get people qualified for them. I am looking forward to working with them and I know I made the best decision.

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  8. User Score

    10

    June 2nd, 2015 New York, NY

    I dont understand how anyone can give this company anything but a 10. They did everything for me they said they were going to and I am so happy finally having a credit score over 750 with all three bureaus.

    🙂 I love CRE

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    1

  9. User Score

    0

    May 30th, 2015 Kansas City, KS

    Do not use this company. They make you feel like you’re fine with the easy stuff then with the hard stuff you get screwed and get bad advise along with garnishment of all your wages and cars. They of course on a Friday they aren’t available to help when the companies are obviously available and willing to take money you were promised was safe by CRE. “They’ll take care of it”… no they won’t. Find a better company with better ratings. Once you look for a company like this then it just stirs up a buch of stuff that they aren’t willing to handle as promised. Seriously… go the other way!!!!!!

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    4

  10. User Score

    10

    May 21st, 2015 Carrollton, TX

    I had had experience trying credit repair by myself before working with Cre but I was never able to keep a negative off my credit report. I would get one removed and a month or so it would show right back up again. This repeatedly kept me from getting a decent home.

    My friend finally told me to try cre. I was skeptical at first considering how I had tried and tried and was never able to accomplish anything myself and also I noticed that they do charge more than some other companies I had heard about but on the recommendation of my friend i decided to give them a try.

    I am so glad I did. Within 6 months they were able to remove all the accounts that were keeping my score down and it has been another 6 months since I completed the program and still all the accounts are gone. I must say I extremely grateful to CRE for getting me through this and the money was well spent.

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    2

  11. User Score

    10

    May 20th, 2015 Carrollton, TX

    I was lucky to find this company. I had been trying for at least years to dig myself out of a hole with my credit with no luck.

    A friend had me call CRE Credit Services and I am glad I did. They were able to remove 12 of the 13 negatives on my reports and that was enough to get my score into the 700s. Now im finally looking for a new home for my family.

    I cannot say enough great things about this company.

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    2

  12. User Score

    10

    May 8th, 2015 New York, NY

    CRE is very god company. They did help me to get credit car.

    I call they have spanish speker too.

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    1

  13. User Score

    10

    May 8th, 2015 New York, NY

    I had a great experience with this company and would absolutely recommend them

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  14. User Score

    10

    May 5th, 2015 Plano, TX

    I graduated from their program this week and I just had a lender pull my credit scores today and my midscore was 697. I was a 538 midscore 6 months ago. I am very happy with their services and I highly recommend them!

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    2

  15. User Score

    10

    May 2nd, 2015 Allen, TX

    These guys are legit. No doubt they are the best out there!

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  16. User Score

    10

    April 30th, 2015 New York, NY

    I just finished this program and I can say I am very happy with CRE .When I signed up I had about 15 negatives on my credit report and they were able to get all but 2 removed and I saw my score jump to about 700 from about 500. I am about to start looking for homes which is something i didnt think I would be able to do for years.

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    3

  17. User Score

    10

    April 27th, 2015 New York, NY

    I used to be with another credit repair company that will remain nameless and they were awful. Then my friend said to check this website. After reading the review I decided to go with CRE Credit Services.

    I am so glad I did. Since joining them I have seen my credit score go up about 150 points and I have just started looking for a home

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    2

  18. User Score

    2

    April 27th, 2015 Orlando, FL

    They offer a money back guarantee if your not satisfied with their service but do not give you the details, for example, that they charge for everything they do so they don’t have to give you the refund. Additionally their customer service is horrible. I have tried to get them to give me contact info to try to get a home loan–which i cant do because they weren’t successful in removing something they guaranteed to do…so I would not recommend spending your money.

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    1

  19. User Score

    10

    April 27th, 2015 New York, NY

    CRE Credit services is great company. They help me to get home qualify. There customer service great to.

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    1

  20. User Score

    10

    April 22nd, 2015 New York, NY

    I am extremely happy with CRE Credit Services. They have helped me to get a new car for the first time in my life and they were always so great when I call called with questions.

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    1